Ready to start?

If you’re a current U.S. Bank customer, log in and we’ll use the details we already have for you. If you aren’t a customer, continue as a guest.

Would you rather refinance your current mortgage?

Here’s what to expect after prequalification.

Getting prequalified is one of your first steps in applying for a mortgage and closing on a home.

Step 2

Fill out a full application to get an offer letter.

While you don’t have to have one, an offer letter shows sellers that you’re serious about buying their home. Along with filling out the application, we’ll ask for permission to run a hard credit check to look into your financial background. This step may affect your credit score.

Step 3

Navigate the closing process.

When you’ve found a home you love and your offer is accepted, underwriting can begin. We’ll ask for further documentation as this process moves along. Underwriting can take anywhere from a few days to several weeks. Once you’ve been fully approved, we’ll schedule your closing.

Start of disclosure content

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.